The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
A B M Industries Inc COM 000957100   18,330 500 SH   SOLE   0 0 500
Ametek Inc New COM 031100100   10,238 103 SH   SOLE   0 0 103
Annaly Capital Mgmt COM 035710409   712 100 SH   SOLE   0 0 100
Bank Of America Corp COM 060505104   16,863 700 SH   SOLE   0 0 700
Baxter International Inc. COM 071813109   7,077 88 SH   SOLE   0 0 88
Berkshire Hathaway Inc. Cl B COM 084670702   20,229 95 SH   SOLE   0 0 95
Boeing Co COM 097023105   22,641 137 SH   SOLE   0 0 137
Bristol Myers Squibb Co. COM 110122108   92,425 1,533 SH   SOLE   0 0 1,533
Bristol-Myers Squibb Rts COM 110122157   3,150 1,400 SH   SOLE   0 0 1,400
C V S Corp Del COM 126650100   1,051 18 SH   SOLE   0 0 18
Central Pacific Finl New COM 154760409   2 0 SH   SOLE   0 0 0
Coca Cola Company COM 191098102   14,219 288 SH   SOLE   0 0 288
Emerson Electric Co COM 291011104   8,852 135 SH   SOLE   0 0 135
Ford Motor Co Del Par $0.01 COM 345370860   3,330 500 SH   SOLE   0 0 500
General Electric Company COM 369604301   6,853 1,100 SH   SOLE   0 0 1,100
Greenbrier Co COM 393657101   2,940 100 SH   SOLE   0 0 100
Huntington Ingalls Inds COM 446413106   704 5 SH   SOLE   0 0 5
CEF Ishares Tr Funds ETF 464287200   2,185,734 6,504 SH   SOLE   0 0 6,504
Ishares Tr S&P 500 Barra Growth ETF 464287309   5,865,966 25,385 SH   SOLE   0 0 25,385
Ishares Tr S&P 500 Barra ETF 464287408   7,393,363 65,748 SH   SOLE   0 0 65,748
Ishares Tr Msci Eafe Fd ETF 464287465   1,958,638 30,772 SH   SOLE   0 0 30,772
Ishares Russell Mid Cap ETF 464287481   4,677,862 27,060 SH   SOLE   0 0 27,060
Ishares Russell Midcap ETF 464287499   71,151 1,240 SH   SOLE   0 0 1,240
Ishares Tr S&P Midcap 400 ETF 464287507   1,767,487 9,538 SH   SOLE   0 0 9,538
Ishares Global 100 Etf ETF 464287572   1,114,346 19,793 SH   SOLE   0 0 19,793
Ishares S&P Midcap Growth ETF 464287606   300,888 1,258 SH   SOLE   0 0 1,258
Ishares Tr Russell 1000 Growth Index Fd ETF 464287614   285,427 1,316 SH   SOLE   0 0 1,316
Ishares Tr Russell 1000 ETF 464287622   5,511,755 29,451 SH   SOLE   0 0 29,451
Ishares Tr Russell 2000 Growth ETF 464287648   317,660 1,434 SH   SOLE   0 0 1,434
Ishares Tr Russell 2000 ETF 464287655   6,154,721 41,089 SH   SOLE   0 0 41,089
Ishares Tr S&P Smallcap ETF 464287804   346,936 4,940 SH   SOLE   0 0 4,940
Ishares S&P Smallcap ETF 464287879   220,968 1,805 SH   SOLE   0 0 1,805
Ishares International ETF 464288448   194,130 7,787 SH   SOLE   0 0 7,787
Ishares Msci Usa Esg ETF 464288802   57,365 390 SH   SOLE   0 0 390
Ishares Msci Eafe Growth ETF 464288885   541,347 6,023 SH   SOLE   0 0 6,023
Johnson & Johnson COM 478160104   1,489 10 SH   SOLE   0 0 10
Kohls Corp COM 500255104   927 50 SH   SOLE   0 0 50
Liberty All Star Eq Fd COM 530158104   583 97 SH   SOLE   0 0 97
McDonalds Corp COM 580135101   25,461 116 SH   SOLE   0 0 116
Micro Focus Interntnl COM 594837403   290 90 SH   SOLE   0 0 90
Mil Global Telco Inc COM 598630200   0 1 SH   SOLE   0 0 1
Parker-Hannifin Corp COM 701094104   14,568 72 SH   SOLE   0 0 72
Perspecta Inc COM 715347100   836 43 SH   SOLE   0 0 43
Pfizer Incorporated COM 717081103   32,700 891 SH   SOLE   0 0 891
Procter & Gamble Co COM 742718109   13,899 100 SH   SOLE   0 0 100
Schw US Brd Mkt Etf ETF 808524102   5,223,777 65,592 SH   SOLE   0 0 65,592
Schwab US Large Cap ETF ETF 808524201   24,492,330 303,762 SH   SOLE   0 0 303,762
Schwab US Large Cap ETF 808524300   10,916,388 94,785 SH   SOLE   0 0 94,785
Schw US Lcap Val Etf ETF 808524409   57,983 1,111 SH   SOLE   0 0 1,111
Schwab US SC ETF ETF 808524607   2,611,259 38,221 SH   SOLE   0 0 38,221
Sch Fnd Intl Lg Etf ETF 808524755   9,975 406 SH   SOLE   0 0 406
Sch Fnd US Lg Etf ETF 808524771   443,342 11,447 SH   SOLE   0 0 11,447
Schwab Int'l Equity ETF ETF 808524805   8,027,410 255,650 SH   SOLE   0 0 255,650
Sch St US Trsr Etf ETF 808524862   677,998 13,165 SH   SOLE   0 0 13,165
Teva Pharmaceutical Industries Ltd-Adr COM 881624209   3,604 400 SH   SOLE   0 0 400
Markel Corp COM 905399101   9,737 10 SH   SOLE   0 0 10
Vanguard Esg U.S. Stock ETF 921910733   58,534 947 SH   SOLE   0 0 947
Vanguard S&P Small Cap ETF 921932794   113,574 747 SH   SOLE   0 0 747
Vanguard Msci Eafe Etf ETF 921943858   1,384,710 33,856 SH   SOLE   0 0 33,856
Vanguard Total World ETF 922042742   202,164 2,507 SH   SOLE   0 0 2,507
Vanguard S&P 500 Etf New ETF 922908363   562,077 1,827 SH   SOLE   0 0 1,827
Vanguard Small Cap ETF 922908595   198,810 925 SH   SOLE   0 0 925
Vanguard Large Cap ETF 922908637   13,467,137 86,085 SH   SOLE   0 0 86,085
Vanguard Growth Etf ETF 922908736   10,836,967 47,612 SH   SOLE   0 0 47,612
Vanguard Small Cap ETF 922908751   11,227 73 SH   SOLE   0 0 73
Wabtec COM 929740108   124 2 SH   SOLE   0 0 2
Whirlpool Corp COM 963320106   4,965 27 SH   SOLE   0 0 27
Spdr Msci Eafe Fsl Fuel ETF 78470E106   34,744 508 SH   SOLE   0 0 508
AT&T Corp COM 00206R102   39,914 1,400 SH   SOLE   0 0 1,400
Acuity Brands Inc COM 00508Y102   6,448 63 SH   SOLE   0 0 63
Agilent Technologies Inc COM 00846U101   4,239 42 SH   SOLE   0 0 42
B W X Technologies I COM 05605H100   6,870 122 SH   SOLE   0 0 122
Cisco Systems Inc COM 17275R102   19,695 500 SH   SOLE   0 0 500
Comcast Corp New Cl A COM 20030N101   6,199 134 SH   SOLE   0 0 134
Conocophillips COM 20825C104   9,852 300 SH   SOLE   0 0 300
Costco Whsl Corp New COM 22160K105   813 5 SH   SOLE   0 0 5
D X C Technology Co COM 23355L106   1,553 87 SH   SOLE   0 0 87
Enbridge Inc COM 29250N105   1,664 57 SH   SOLE   0 0 57
Exxon Mobil Corporation COM 30231G102   6,866 200 SH   SOLE   0 0 200
GlaxoSmithKline PLC Sponsored ADR(Frm. Glaxo Well) COM 37733W204   18,820 500 SH   SOLE   0 0 500
Hewlett-Packard Company COM 40434L105   15,192 800 SH   SOLE   0 0 800
Hewlett Packard Enterpri COM 42824C109   12,387 1,322 SH   SOLE   0 0 1,322
JP Morgan Chase & Co COM 46137V522   24,838 258 SH   SOLE   0 0 258
Invesco Raymond James COM 46137V522   50,527 1,269 SH   SOLE   0 0 1,269
Ishares Core Msci Eafe ETF 46432F842   26,885 446 SH   SOLE   0 0 446
Ishares Msci Acwi Lw ETF 46434V464   35,108 268 SH   SOLE   0 0 268
Ishares Ibonds Dec ETF 46434VAQ3   100,239 3,973 SH   SOLE   0 0 3,973
iShares iBonds Dec 2023 ETF 46434VAX8   5,724,461 218,241 SH   SOLE   0 0 218,241
Ishares Ibonds Dec ETF 46434VBA7   5,608,408 218,822 SH   SOLE   0 0 218,822
iShare iBonds Dec 2025 ETF 46434VBD1   5,299,520 195,338 SH   SOLE   0 0 195,338
iShares iBonds Dec 2024 ETF 46434VBG4   5,580,080 211,007 SH   SOLE   0 0 211,007
Ishares Ibonds Dec ETF 46434VBK5   5,348,250 213,503 SH   SOLE   0 0 213,503
iShares iBonds Dec 2026 ETF 46435GAA0   138,338 5,158 SH   SOLE   0 0 5,158
Isoray Inc COM 46489V104   129 222 SH   SOLE   0 0 222
Keysight Tech Inc COM 49338L103   2,074 21 SH   SOLE   0 0 21
Macys Inc COM 55616P104   2,280 400 SH   SOLE   0 0 400
Metlife Inc COM 59156R108   149 4 SH   SOLE   0 0 4
Minnesota Mining & Mfg COM 60406CAR8   6,247 39 SH   SOLE   0 0 39
Pareteum Corporation COM 69946T207   1 1 SH   SOLE   0 0 1
Spdr Msci Acwi Ex-Us ETF 78463X848   8,883,854 369,391 SH   SOLE   0 0 369,391
Spdr Portfolio Dvlpd ETF 78463X889   428,542 14,646 SH   SOLE   0 0 14,646
Spdr Global Dow Etf ETF 78464A706   399,505 4,867 SH   SOLE   0 0 4,867
Spdr Ssga Gender ETF 78468R747   35,188 459 SH   SOLE   0 0 459
Spdr S&P 500 Fossil Fuel ETF 78468R796   55,547 665 SH   SOLE   0 0 665
Softbank Corp COM 83404D109   92 3 SH   SOLE   0 0 3
Vaneck Vectors Gold ETF 92189F106   783 20 SH   SOLE   0 0 20
Kellogg Company COM 92942W107   9,689 150 SH   SOLE   0 0 150
Wisdomtree Div Top ETF 97717W406   55,434 735 SH   SOLE   0 0 735
Zimmer Holdings Inc COM 98956P102   1,770 13 SH   SOLE   0 0 13
Ferrari N V COM N3167Y103   1,841 10 SH   SOLE   0 0 10
Fiat Chrysler Auto COM N31738102   2,444 200 SH   SOLE   0 0 200